-----BEGIN PRIVACY-ENHANCED MESSAGE----- Proc-Type: 2001,MIC-CLEAR Originator-Name: webmaster@www.sec.gov Originator-Key-Asymmetric: MFgwCgYEVQgBAQICAf8DSgAwRwJAW2sNKK9AVtBzYZmr6aGjlWyK3XmZv3dTINen TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB MIC-Info: RSA-MD5,RSA, D5lleUQOQcRJbY8e1Z8lZRuIBHn6hL4f4csdDtWIC4scCcdl64m8b/+4JoNg4OZz d9J9x8WblUPPbd1FdsyfVw== 0001019965-98-000067.txt : 19980330 0001019965-98-000067.hdr.sgml : 19980330 ACCESSION NUMBER: 0001019965-98-000067 CONFORMED SUBMISSION TYPE: 10-K PUBLIC DOCUMENT COUNT: 1 CONFORMED PERIOD OF REPORT: 19971231 FILED AS OF DATE: 19980327 SROS: NONE FILER: COMPANY DATA: COMPANY CONFORMED NAME: EQUI VANTAGE HOME EQUITY LOAN TRUST 1995-1 CENTRAL INDEX KEY: 0001019746 STANDARD INDUSTRIAL CLASSIFICATION: MORTGAGE BANKERS & LOAN CORRESPONDENTS [6162] IRS NUMBER: 760448074 STATE OF INCORPORATION: NY FILING VALUES: FORM TYPE: 10-K SEC ACT: SEC FILE NUMBER: 033-87040-05 FILM NUMBER: 98575421 BUSINESS ADDRESS: STREET 1: EQUI VANTAGE ACCEPTANCE CORP STREET 2: 1311 NORTHWEST FREEWAY CITY: HOUSTON STATE: TX ZIP: 77040 10-K 1 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 (Mark One) [ x ] Annual Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 [Fee Required] For the fiscal year ended DECEMBER 31, 1997 or [ ] Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 [Fee Required] For the transition period from to Commission file Number 33-87040-05 EquiVantage Home Equity Loan Trust 1995-1 (Exact name of registrant as specified in its charter) New York 76-0448074 (State or other jurisdiction (I.R.S. Employer of incorporation or organization) Identification No. c/o EquiVantage Acceptance Corporation Attention: John E. Smith 13111 Northwest Freeway, Houston, TX 77040 (Address of Principal Executive Offices) (Zip Code) Registrant's telephone number, including area code: (713) 895-1900 Securities registered pursuant to Section 12(g) of the Act: EQUIVANTAGE HOME EQUITY LOAN TRUST 1995-1 HOME EQUITY LOAN ASSET-BACKED CERTIFICATES, SERIES 1995-1 CLASS A-1 AND CLASS A-2 (Title of Class) Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. x Yes No DOCUMENTS INCORPORATED BY REFERENCE. List hereunder the following documents if incorporated by reference and the Part of the Form 10-K (e.g., Part I, Part II, etc.) into which the document is incorporated: (1) Any annual report to security holders; (2) Any proxy or information statement; and (3) Any prospectus filed pursuant to Rule 424(b) or (c) under the Securities Act of 1933. The listed documents should be clearly described for identification purposes. FORMS 8-K DATED JANUARY 27, 1997; FEBRUARY 25, 1997; MARCH 25, 1997; APRIL 25, 1997; MAY 27, 1997; JUNE 25, 1997; JULY 25, 1997; AUGUST 25, 1997; SEPTEMBER 25, 1997; OCTOBER 27, 1997; NOVEMBER 25, 1997; DECEMBER 26, 1997 PART I Item 3. Legal Proceedings There were no legal proceedings. Item 4. Submission of Matters to a Vote of Security Holders There were no matters submitted to a vote of the Security Holders. PART II Item 5. Market for Registrant's Common Equity and Related Stockholder matters 1. Number of Certificateholders of record as of the end of the reporting year: There were two Certificateholders of record as of the end of the reporting year. They are: Class A-1: Cede & Co. Class A-2: Cede & Co. 2. Principal market in which the Certificates are traded: The Certificates are not traded on any public market. 3. Aggregate Principal and Interest distributed on the certificates: For the period commencing January 1, 1997 and ending December 31, 1997, the following amounts were distributed to the Certificateholders: Principal Interest $ 8,684,220.16 $1,120,633.52 Item 9. Changes in and Disagreements with Accountants on Accounting and Financial Disclosures: Information required by Item 304 of Reg. S-K. There were no changes in and/or disagreements with Accountants on Accounting and Financial Disclosures. PART IV Item 14. Exhibits, Financial Statement Schedules, and Reports on Form 8-K EXHIBIT A -- DISTRIBUTIONS TO CERTIFICATEHOLDERS FOR THE PERIOD ENDING DECEMBER 31, 1997 EquiVantage Home Equity Loan Trust 1995-1 Summary of Principal and Interest Distributions Date Principal Interest 01/27/97 $ 927,998.89 $ 123,779.68 02/25/97 $ 717,326.64 $ 107,873.01 03/25/97 $ 687,244.39 $ 100,378.81 04/25/97 $ 795,734.91 $ 106,656.78 05/27/97 $ 767,151.36 $ 104,722.60 06/25/97 $ 963,810.50 $ 93,373.87 07/25/97 $ 593,638.37 $ 89,910.05 08/25/97 $ 933,267.30 $ 87,465.80 09/25/97 $ 570,383.23 $ 81,590.25 10/27/97 $ 449,477.74 $ 80,372.83 11/25/97 $ 818,548.15 $ 72,844.02 12/26/97 $ 459,638.68 $ 71,665.82 Total $ 8,684,220.16 $1,120,633.52 SIGNATURES Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized. (Registrant) EquiVantage Home Equity Loan Trust 1995-1 Pursuant to the requirements of the Securities Exchange Act of 1934, this report has been signed below by the following persons on behalf of the registrant and in the capacities and on the dates indicated. By (Signature and Title) /s/ Donna Fanning, Assistant Vice President (Printed Name, Title) Donna Fanning, Assistant Vice President Date March 24, 1998 -----END PRIVACY-ENHANCED MESSAGE-----